Lancaster, OH · Charter 11642
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.76% | 0.43% | 1.09% | -0.18% | -0.13% | 65.57% | 1.09% | -91.96% | -9,178 bps | |
| Return on Equity | 8.17% | 1.91% | 5.14% | -0.82% | -0.61% | 74.07% | 5.14% | n/a | n/a | |
| Net Interest Margin | 4.62% | 3.97% | 3.69% | 2.64% | 1.94% | 26.23% | 3.69% | 1.58% | -107 bps | |
| Efficiency Ratio | 61.83% | 89.29% | 70.41% | 106.63% | 106.62% | 0.00% | 70.41% | 5931% | +582,486 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.12% | -12.83% | -6.94% | -5.38% | 3.16% | -100.00% | 0.00% | 12.11% | +1,750 bps | |
| Loan Growth (YoY) | -12.88% | -22.95% | -22.82% | -19.67% | -13.35% | -100.00% | 0.00% | -6.96% | +1,272 bps | |
| Share Growth (YoY) | -20.43% | -22.48% | -13.23% | -1.45% | 8.25% | -100.00% | 0.00% | 116.54% | +11,799 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 0.89% | 0.87% | 0.88% | 0.88% | 0.00% | 0.00% | 28.19% | +2,731 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.37% | 2.69% | 2.73% | 2.74% | 0.12% | 10.00% | 2.73% | 2.94% | +20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.58% | 22.25% | 21.27% | 21.42% | 20.97% | 88.52% | 21.27% | -49.79% | -7,122 bps | |
| Net Worth / Assets | 21.58% | 22.25% | 21.27% | 21.42% | 20.97% | 88.52% | 21.27% | -49.79% | -7,122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 132.66% | 121.57% | 112.39% | 106.19% | 106.19% | 200% | 112.39% | 45.63% | -6,056 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |